Date Received: 2022-11-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I made a substantial, large deposit of {$5000.00}. TD, at their discrepancy, held the funds for XXXX business days which caused a financial hardship. I was charged overdraft fees on my account XXXX, and I am now seeking reimbursement of {$170.00} of the overdraft fees. The money was taken from the account holder who issued the check within two days, and although the money was withdrawn, TD bank refused to release the hold and caused several overdrafts on XXXX of the accounts that I needed to transfer the funds. I am seeking reimbursement for the overdraft charges that I was charged to my account, XXXX. Reimburse {$170.00}
Company Response:
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX. Within a few dates of having the car it was brought in for service related issues on multiple occasions. On XX/XX/XXXX I canceled my gap insurance and extended warranty and returned the car back to XXXX XXXX. I contacted the lender T.D. Auto Finance to inform them that I was no longer in possession of the car and this account needs to be closed. T.D. Auto Finance is continuing to report this on my credit report, when I am know longer in possession of this car. I have filed a dispute with all three credit reporting agencies, indicating the inaccuracy of this open account. T.D. Auto Finance has refused to contact XXXX XXXX as to where the car is located and the current status.
Company Response:
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I would like to re-open my complaint number XXXX against TD Bank about a {$25.00} balance with " Open Date '' XX/XX/XXXX. On or around XXXX, in its response to my complaint, TD bank confirmed that " Due to the delay with contacting you of the remaining balance due, as a courtesy TD Bank has waived the remaining fees in the amount of {$25.00}. As of today, I confirmed that the Account is paid in full. An update has been sent to the XXXX XXXX XXXX XXXX major credit reporting agencies. Please allow XXXX days for the update to reflect on your credit report ''. However, I learned yesterday ( on XX/XX/XXXX, about XXXXXXXX XXXX XXXX XXXX later that the {$25.00} still shows as a " charge off '', i.e. " bad debt '' on my credit report, and not as " paid in full '' as TD Bank states in its XX/XX/XXXX report to CFPB. Why -nearly 17 months later - didn't TD Bank inform all three credit bureaus that this amount is " paid in full '' as it states in its response to my complaint to CFBP? Please also see attached XX/XX/XXXX letter, where I marked where TD bank states the amount is " paid in full ''.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: First week of XXXX I applied for a HELOC where I was informed that this process would take 45 days, Well fast forward were in XXXX now and within the first few weeks I sent in all requested documentations and my calls and emails were being ignored. I have the credit and income and in good faith believe that this is discrimination or this was intentionally delayed in efforts to force me into a higher interest rate The individual over seeing my application is XXXX XXXX | XXXX XXXX
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I've noticed that over the last two years, TD bank has done a terrible thing to me. I am a XXXX father of 4 and they continuously took unfair amounts of overdraft fees, usually these fees showed up without any warning or explanation, came out to around {$7000.00}. They were never good to me when I asked for these overdraft fees back over the course of two years. They were always nasty to me especially XXXX, the manager at the branch on XXXX XXXX XXXX. She wouldn't even give me a debit card.. This bank is taking advantage of a XXXX person and it is totally wrong. I find it disturbing that I noticed they have taken almost {$7000.00} from me like this. You said not to include personal info so I am only including my last 4 digits of the account. Acct XXXX overdraft fees XXXX {$1900.00} XXXX {$4500.00}
Company Response:
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: As I was driving to work i received a text verification as well as an email saying that a Target credit card account had just been opened in my name. I contacted target card services and the conformed that the account was just opened and the card was being sent to my old address from a few years ago. XXXX XXXX XXXX XXXX XXXX XXXX. I haven't lived at that address in years. Target also said that instead of my driver 's license number that they pluggged in my social. They said that since the application and approval was caught so soon that they were able to cancel the card. I have since frozen my XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I wired transfer monies and got scammed
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: On XXXX XX/XX/2022, I met with an Accredited Financial Counselor with the XXXX of the XXXX at XXXX XXXX XXXX. I saw her for assistance with my security clearance as I had delinquent debt. During this session we determined how much I could reasonably afford to repay on my delinquent accounts. I called one of the creditors, TD Auto Finance. My counselor was on the call. I spoke with XXXX @ XXXX @ XXXX. He informed me that no one except myself could remain on the call. I continued with other creditors and called TD Auto Finance back at XXXX. I reached XXXX XXXX XXXX (? ). I explained the reason for my call. She stated that my loan was {$12000.00} at an interest rate of 7 %. I immediately asked her to lower it due to the SCRA rate of 6 %. She stated she never heard of this and would not reduce my interest. I asked again for her to lower it and she said she would ask her supervisor. Again, she returned to the call stating she could not reduce the interest. I continued to try to negotiate a possible settlement with payments. She kept referring to a payment that was impossible for my family to afford. I told her that I could only afford {$170.00} at this time. She stated that was not enough and said she would not set me up on a payment plan for that amount. When I explained to her that I could not afford payments over {$600.00} she offered a settlement of {$6400.00} that I could not afford to pay. I asked her for the payment address, and she did provide it however, she told me that I should not send in payments of {$170.00} because that was not acceptable. She outright refused to take my {$170.00} payment. After my call ended with TD Auto Finance, my counselor suggested I file this complaint and for my wife to send in payment every single month until this complaint is resolved.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have this complaint against TD Bank - Account Mor Furniture For Less, my Monthly payment are {$170.00} every XXXX. I had set up automatic payments through TD Banks Website at XXXX had another account on the same Website through XXXX. I received a call from TD Bank saying that I was late with my payment due to wrong Bank account number I had provided I told her if she was sure because I had another account through XXXX maybe she got mixed up. So I paid {$170.00} didn't say anything about late charges or nothing. I contacted my bank and ask if there was any attempt by any Bank making a transaction on my account, my Bank said none was attempted or it would of shown up. I set up automatic payments for the XXXX of every month through my bank. I got a call on XX/XX/XXXX saying I owe {$25.00} late fee for my account to be current I asked him if that was all he said pay the {$25.00} and your account is up to date I said ok. On XX/XX/XXXX I got a call saying I owe {$40.00} late fee, so I told her I had paid {$25.00} on the XXXX and that my account was up to date the Rep said if I had a dispute go to their Website and fill a Billing Dispute Form so I did. I talked to Supervisor XXXX and XXXX who played part of the phone call recorded on XX/XX/XXXX, on that recording we both heard TD Banks Rep say for me to pay {$25.00} and my account will be current Til this day I'm still been getting calls and letters about being late with my payments charge {$40.00} late fees. I tell XXXX Reps my Bank sends the payment every XXXX he said they don't process the payment till 4 day later I told him does the system show that payment on time he said yeah maybe that's why I'm being charge late fees so I changed it to the XXXX. I filed a complaint with XXXX in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Fax XXXX XXXXXXXX XXXX close the file nothing solve.
Company Response:
State: CA
Zip: 93727
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A